Aditya Birla Sun Life Savings Fund · Regular · Growth
Aditya Birla Sun Life Mutual Fund
NAV
₹592.5762
as of 28 Sept 2026
Expense Ratio
1.83%
AUM
₹19,646 Cr
Lumpsum returns (CAGR)
- 1Y
- +6.35%
- 3Y
- +7.21%
- 5Y
- +6.54%
- Since Inception
- +7.66%
SIP returns (XIRR)
- 1Y
- +6.40%
- 3Y
- +6.97%
- 5Y
- +6.96%
- Since Inception
- +7.43%
Returns calculated from 07 October 2011 onwards due to a structural change in the scheme on that date. Earlier NAV history is preserved but excluded from multi-year return calculations. Periods spanning this date show —.
What history actually did — last 10 years (Sept 2016 – Sept 2026)
A ₹5,000 monthly SIP for the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
A ₹5,000 monthly SIP would be worth ₹8,42,729 today — ₹6,00,000 invested, 6.6% XIRR.
₹6,00,000
Invested
₹8,42,729
Value today
6.6%
XIRR (p.a.)
A ₹1,00,000 lumpsum, the last 10 years (Sept 2016 – Sept 2026)
Real NAV backtest
₹1,00,000 invested 10 years ago would be ₹1,92,981 today (6.8% CAGR).
A regular withdrawal plan (SWP)
Real NAV backtest
A ₹10,00,000 corpus withdrawing ₹5,000/month since Sept 2016 would still hold ₹10,87,083.
Buying the worst day
Real NAV backtest
₹1,00,000 invested on the worst market day of the last 10 years (Sept 2016 – Sept 2026) (22 Mar 2020) would be ₹1,51,065 today (1.51×).
Historical simulation using actual published NAVs for the stated period. Past performance may or may not be sustained in the future. Not investment advice.
Risk Metrics
Trailing 1 year, annualised1.23
Sharpe Ratio
—
Alpha
—
Beta
1.48
Sortino
0.48%
Std Dev
-0.12%
Max Drawdown
Performance Comparison
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Fund Details
Available transactions
Portfolio holdings
- 1National Bank For Agriculture And Rural Development (17/02/2027) #5.15%
- 2182 Day T-Bill 18.09.264.51%
- 3National Bank For Agriculture And Rural Development (18/03/2027) #3.92%
- 4Indusind Bank Ltd. (14/12/2026) **#3.91%
- 59.05% Shriram Finance Ltd. (02/09/2027) **2.82%
- 69.45% Vedanta Ltd. (05/06/2028) **2.39%
- 7Hdfc Bank Ltd. (09/03/2027) **#2.31%
- 87.30% Bharti Telecom Ltd. (01/12/2027) **2.10%
- 9Indusind Bank Ltd. (11/12/2026) **#1.85%
- 10Axis Bank Ltd. (27/11/2026) #1.83%
Investment objective — in the AMC’s words
The primary objective to generate regular income through investments in debt and money market instruments. Income may be generated through the receipt of coupon payments or the purchase and sale of securities in the underlying portfolio. The scheme will under normal market conditions, invest its net assets in fixed income securities, money market instruments, cash and cash equivalents.
About This Fund
Aditya Birla Sun Life Savings Fund · Regular · Growth is a Ultra Short Term mutual fund offered by Aditya Birla Sun Life Mutual Fund. The fund has been operational for over 20 years. It manages assets worth ₹19,646 Cr, reflecting investor confidence in the fund's strategy. It benchmarks its performance against NIFTY Ultra Short Duration Debt Index A-I. The current expense ratio is 1.83%.
Who Should Invest?
- •Moderate-risk investors looking for balanced growth and income
- •Investors with a medium-term horizon of 3-5 years
- •SIP investors who can benefit from rupee cost averaging during market fluctuations